EQUI-VEST® 403(b) Variable Deferred Annuity

Flexibility and tax advantages that can help your employees grow their savings

Founded in 1859, AXA Equitable Life Insurance Company is the #1 provider of retirement plans for K-12 schools,1 serving more than 739,000 participants in over 17,000 plans.2 We focus on providing retirement plan strategies and solutions for you so you can help your employees become “retirement ready.”

EQUI-VEST® simplifies offering a 403(b) plan

Use the EQUI-VEST variable annuity to help bring a valuable benefit—a 403(b) plan—to your employees. An annuity product designed specifically for the 403(b) market, EQUI-VEST is packed with features and services that can make sponsoring a 403(b) plan easier than you may think.

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Consider a 403(b) plan

Your employees benefit — and so do you

A 403(b) plan is a high-visibility benefit that can help employees save for their retirement and enhance your value as an employer. Not only can it be used to supplement a pension benefit, but it can also potentially help make up losses in retirement income due to pension cutbacks.

The EQUI-VEST variable annuity for 403(b) plans comes with features, services, and support designed to both minimize the time a plan sponsor spends administering a 403(b) plan, and address employees’ retirement concerns.

Comprehensive plan sponsor services

Plan design and ongoing administration, recordkeeping, and compliance services are all part of the EQUI-VEST package. We also leverage technology through our plan sponsor website to reduce paperwork and provide you with 24/7 access to plan information. In addition, a financial professional is always available to assist you on plan-related issues.

EQUI-VEST OFFERSPlan administrationRecord keepingCompliance services

Investment options for employees across the risk spectrum

Employees benefit from EQUI-VEST’s wide variety of investment options, including a Guaranteed Interest Option, designed to suit the beginner to the sophisticated investor. The lineup includes various options that offer the potential for market gains up to a specified limit, along with some protection against some market losses. Another feature provides a guaranteed withdrawal benefit for life as an optional feature available for an additional fee.

Employee education and communication

EQUI-VEST focuses on improving employees’ retirement readiness with a multi-channel approach: on-demand, 24/7 online education and enrollment tools;3 financial professionals who work with your employees one‑on-one; and Customer Service Representatives who are available during normal business hours.

Employees can receive active, professional investment advice and monitoring of their EQUI-VEST account with our optional Managed Account Service. It’s available for an additional fee through ProNvest*, an Independent Registered Investment Advisor.

*ProNvest is not affiliated with AXA Equitable or its affiliates. This service is not available in all states. Depending on portfolio size or frequency of securities transactions, you should evaluate whether this service is suitable. Additional restrictions and limitations apply to the Managed Account Service. Please see the prospectus for more details.

EQUI-VEST® brings value to 403(b) plans

EQUI-VEST is packed with features and services designed specifically for the 403(b) market. Whether you want to expand your plan’s investment lineup or streamline its administrative functions, EQUI-VEST may make it easier for you to maintain your 403(b) plan.

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Add EQUI-VEST® to your plan

EQUI-VEST can help you enhance the value of your 403(b) plan by expanding the range of available investment options and offering features that address your employees’ retirement concerns.

Investment options for employees across the risk spectrum

Employees benefit from EQUI-VEST’s wide variety of investment options, including a Guaranteed Interest Option, designed to suit everyone from the beginner to the sophisticated investor. The lineup includes various options that offer the potential for market gains up to a specified limit, along with some protection against market losses. Another feature provides a guaranteed withdrawal benefit for life in an optional rider available for an additional fee.

Comprehensive plan sponsor services

Plan administration, recordkeeping, and compliance services are all part of the EQUI-VEST package. We also leverage technology through our plan sponsor website to reduce paperwork and provides you with 24/7 access to plan information. In addition, a financial professional is always available to assist you on plan-related issues.

EQUI-VEST OFFERSPlan administrationRecord keepingCompliance services

Employee education and communication

EQUI-VEST focuses on improving employees’ retirement readiness with a multi-channel approach: on-demand, online education and enrollment tools;3 financial professionals who work with your employees one-on-one; and Customer Service Representatives who are available during normal business hours.

Employees can receive active, professional investment advice and monitoring of their EQUI-VEST account with our optional Managed Account Service. It’s available for an additional fee through ProNvest*, an Independent Registered Investment Advisor.

*ProNvest is not affiliated with AXA Equitable or its affiliates. This service is not available in all states. Depending on portfolio size or frequency of securities transactions, you should evaluate whether this service is suitable. Additional restrictions and limitations apply to the Managed Account Service. Please see the prospectus for more details.

An EQUI-VEST® refresher

The EQUI-VEST variable annuity keeps pace with you and your employees’ changing needs. Enhanced online capabilities, an expanded investment option lineup, and features that may be able to address inflation and longevity concerns about retirement income—it’s all available with EQUI-VEST.

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Explore all EQUI-VEST® offers

Are you taking full advantage of EQUI-VEST?

We continually look at how we can enhance EQUI-VEST to keep it relevant and valuable to you and your employees. This review process has led to our adding several features and capabilities to EQUI-VEST.

Investment options for employees across the risk spectrum

EQUI-VEST’s extensive investment option lineup includes options, including a Guaranteed Interest Option, designed to suit the beginner to the sophisticated investor.

The lineup includes a Structured Investment Option, which offers your employees the potential for market gains up to a specified limit along with some protection against some market losses.4 We also offer the Personal Income BenefitSM, a “pension-like” benefit that provides guaranteed withdrawal payments for life and may help employees address inflation, longevity, and market volatility concerns.5

We offer your employees several ways to access their accounts. We want to help ensure that all of your employees—no matter how they like to communicate—find an easy way to take advantage of this important opportunity. That’s why we supplement our employee tools and resources with an online education and enrollment tool3 that gives your employees a convenient, 24/7 way to learn about and enroll in your plan.

Employees can receive active, professional investment advice and monitoring of their EQUI-VEST account with our optional Managed Account Service. It’s available for an additional fee through ProNvest*, an Independent Registered Investment Advisor.

*ProNvest is not affiliated with AXA Equitable or its affiliates. This service is not available in all states. Depending on portfolio size or frequency of securities transactions, you should evaluate whether this service is suitable. Additional restrictions and limitations apply to the Managed Account Service. Please see the prospectus for more details.

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1 Source: LIMRA, Not-for-Profit Survey, Participants as of 12/31/2013 and Contributions for Full Year 2013.

2 Includes 403(b) and 457(b) plans as of 9/30/2014.

3 Online enrollment may not be available in all states. Speak with a financial professional for more information.

4 There is risk of substantial loss of principal because you would agree to absorb all losses to the extent they exceed the protection provided by the Structured Investment Option at maturity.

5 This feature is not appropriate if you do not intend to take withdrawals before annuitization.

Variable annuities are long-term financial products designed for retirement purposes. There are contract restrictions, limitations, fees and charges associated with annuities, which include, but are not limited to, mortality and expense risk charges, sales and withdrawal charges and administrative fees. A financial professional can provide cost information and complete details. Withdrawals are subject to ordinary income tax treatment and may be subject to an additional 10% federal income tax penalty. Contact a financial professional for costs and complete details. Withdrawals may also be subject to a contractual withdrawal charge of 5% in the first five prior contract years for the EQUI-VEST Series 201 contract. Variable annuities are subject to market risk including loss of principal.

An annuity contract that is purchased to fund a 403(b) plan should be done so for the annuity’s features and benefits other than tax deferral. For such cases, tax deferral is not an additional benefit for the annuity. You may also want to consider the relative features, benefits, and costs of this annuity with any other investment that you may have in connection with your retirement plan or arrangement.

The features and contracts described in this content may not be available in all jurisdictions or in all plans.

This content is not a complete description of the EQUI-VEST annuity contract.

Please consider the charges, risks, expenses, and investment objectives carefully before purchasing a variable annuity. For a prospectus(or if applicable, product disclosure document) containing this and other information, please contact a financial professional. Read it carefully before you invest or send money.

"AXA" is the brand name of AXA Equitable Financial Services, LLC and its family of companies, including AXA Equitable Life Insurance Company (NY,NY), MONY Life Insurance Company of America (AZ stock company, administrative office: Jersey City, N.J.), AXA Advisors, LLC (member FINRA, SIPC), and AXA Distributors, LLC (member SIPC). AXA S.A. is a French holding company for a group of international insurance and financial services companies, including AXA Equitable Financial Services, LLC. The obligations of AXA Equitable Life Insurance Company and MONY Life Insurance Company of America are backed solely by their claims-paying ability.